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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,228 | $167,323-40.7% | $143,770-31.0% | $134,493-26.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.80% | 0.47%-18.3pp | -0.04%-17.8pp | 418.01%-435.8pp |
| Employer contribution / active EE | $13,855 | $5,619+146.6% | $4,951+179.8% | $4,740+192.3% |
| Participant deferral / active EE | $6,989 | $6,446+8.4% | $5,638+24.0% | $6,400+9.2% |
| Admin fee / account holder | $405 | $18,088-97.8% | $14,673-97.2% | $11,425-96.5% |